There are a lot of ways to invest your money.
From the stock market to government bonds to real estate, you can get a solid return on your investment and ensure that your future is secure. But one of the best ways to invest often goes overlooked: investing in yourself.
We often tend to think of spending money on ourselves as frivolous or wasteful, but sometimes spending a little money—or even just some time—to treat yourself right is the investment that pays off the most. Thankfully, there are some simple ways that valuing yourself can really pay off. Things like...
A New Look
Maybe the quickest way to see results from investing in yourself is to make an upgrade to your appearance. A new look can give you a boost of self-confidence and invite people around you—a boss, a customer, a love interest—to notice you as they haven't in the past.
There are any number of ways to achieve the desired effect. A new pair of glasses, for instance, can totally change the framing of your face, and if you decide you want to go back to your old look, you still have a new backup pair for emergencies.
Likewise, if you've been getting the same haircut for years, you don't need to worry that you'll end up regretting a new style. Let your hairdresser do something different (they probably know what they're doing...) and if you end up disliking the result, you can usually go back for a free fix-up.
Another low-commitment option is makeup. If you're the kind of person who wears makeup already, you can check out some tutorials for some new ideas. And if you don't wear makeup on a regular basis, you might be surprised what a difference something basic like a BB cream can make.
If you're willing to take your upgrade to the next level, you could try a whole new wardrobe. Or—if you're really up for a commitment—a gym membership and a new diet. It might seem strange to bother, since so many of us are stuck at home these days, but making a change to your appearance can help you feel refreshed and energized, and can pay off in a big way—even if it just gives you the confidence you need to crush your next Zoom meeting.
A New Bed
Speaking of refreshed and energized, as much as a new look can improve your mood, a dozen compliments about new clothes, new abs, or a new haircut can generally be spoiled by a single "you look tired." Worse still, chances are that you really are tired...
According to the CDC, one in three adults regularly operate from a sleep-deprived state. But it doesn't have to be that way. Rather than spending an extra $1000 a year on coffee and energy drinks to keep your eyes open—even if your thoughts are a jittery blur—you can spend less than that amount for a one-time upgrade to your bed and transform the sleep you're getting for years to come.
Proper sleep improves your health, your concentration, and your mood, and helps you tap into whatever your skill set is, so you can kick some ass in your work and your life. So if you're sick of mindlessly snacking, losing your keys, and snapping at loved ones and co-workers, maybe what you need is to make an investment in better sleep.
That might mean finding a mattress that works for you, but if you've already invested in one of the many miracles of "sleep technology" that are advertised everywhere (or if you are otherwise satisfied with your mattress), and still wake up exhausted, you might be overlooking your bed frame.
A creaky, shaky bed frame that freaks out every time you or your partner shifts in place can disrupt your sleep quality so that—even after eight hours of sleep—you wake up tired. Time for an upgrade. One good option, the so-called "perfect platform bed frame" from Thuma is sturdy and quiet, with a minimalist design, and details like Japanese joinery, cushioned slats, and a soft headboard to minimize noise and make your bed as comfortable as possible.
A New Outlook
Of course, it might not be your bed that's making life difficult. Sometimes life is just... difficult. But that doesn't mean you have to just tough it out, because—let's be honest—that really doesn't work. When people talk about sucking it up or toughing it out, what they really mean is suppressing your emotions so they can raise your blood pressure, crank your vices or bad habits up to 11, and congeal into a blend of self-loathing and bitterness that makes you just a joy to be around...
What works much better is talking about what stresses you out and what keeps you up at night. If you're lucky enough to have a few close friends you can trust with your most intimate thoughts, you might be all set in that respect, and you might also be living in the sitcom The Golden Girls—so congratulations all around.
For those of us living in a slightly less perfect reality, the existence of a professional set of ears that have to listen patiently to all our anxieties and complaints can be a godsend. Sometimes they can help put things in perspective, or give you some useful advice to help you work on your issues. Other times, they just shut up and listen while you empty your head of everything you've been bottling up.
In either case, the perspective and relief that therapy provides can make you happier, healthier, and more productive. It can make the world seem a little more manageable. If you have good health insurance it might not even cost you anything, but if not, there are services like Talkspace and BetterHelp that can connect you with a therapy professional for about the cost of one nice meal in a restaurant each week.
A New Skill
The average worker in America changes their employer around once every four years. Whether that means quitting, getting laid off, or finding a better job somewhere else, the fact is that you can't rest on your laurels. With the pace that things change, the job you have now might not even be a job 10 years from now, which means it's never too early to start planning for the future.
Fortunately, there are a ton of options for adding a new line or two to your resume. For a start, there are countless YouTube videos offering instruction in everything from home repair to photoshop. And if you want more structured, academic options, there are free courses in everything from chemistry to grammar through Khan Academy, free language instruction through Duolingo, and free lessons in programming languages through Codeacademy. And a service like Skillshare offers tons of resources for developing all kinds of skills at a low monthly rate.
You still need to invest some time and energy, but if you want to future-proof your resume and waltz into your next job interview with confidence, adding a new skill or two to your toolkit is the way to go.
A New Degree
Okay, you might not consider this one "simple" but it's too obvious not to at least consider it. Because all the chemistry courses Khan Academy has to offer won't quite qualify you to work in a pharmacy. If you really want to change your career path, sometimes there's no better option than actually going back to school.
That could mean going to a trade school for a certification in something like plumbing, or getting a bachelor or graduate degree in a field like computer science or nursing. The options are limitless, but if you choose wisely, the time and money of going back to school can totally transform your job prospects and really pay off.
That's especially true if you can find an affordable option for taking classes around your work schedule. While weekend classes and online courses might not be as glamorous as the ivy league, if it means avoiding hefty loans and earning a living while you learn.
Each degree you add makes a sizeable difference to your lifetime earning potential. So even if you thought you were done with school years ago you might find out that it's not too late to make a big investment in your future.
So if you find yourself wondering where you can make a smart investment that will pay off down the line, don't forget to look in the mirror.
Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:
“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”
Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:
1. Whatever the work is, do it well—not for the boss but for yourself
2. You make the job; it doesn’t make you
3. Your real life is with us, your family
4. You are not the work you do; you are the person you are
What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.
Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.
But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”
@zaidleppelin On quiet quitting #workreform ♬ original sound - ruby
The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.
The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?
Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.
For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.
Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.
They’re doing what they’re being paid for. Nothing more, nothing less.
According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.
“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”
Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.
“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”
With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).
But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.
But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.
Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.
There’s an internet trend that says that everyone has three drinks: one for energy, one for hydration, and one for fun.
Hydration drinks are usually seltzer, a sports drink, or good old-fashioned water. Fun drinks can be anything from boba to kombucha to a refreshing fountain sprite. But the drink you choose for energy says the most about you. Are you a chill tea drinker? An alternative yerba mate devotee? A matcha-obsessed TikTok That Girl wannabe? A chaotic Red Bull chugger? Or are you a lover of the classics, a person after my own heart, who just loves a good cuppa joe?
Coffee can come in many forms. Straight black, concentrated like cold brew for a heartier flavor, or a milky, sugary, frothy treat for a blend of energy and fun.
But the dreaded coffee descriptor: downright bad.
We’ve all been there — free hotel coffee, questionable diner coffee, disappointing overpriced coffee shop coffee. Pour one out for the cups we left unfinished due to sheer revulsion.
In those moments — taking a sip of bitter, bad bean juice and worrying that someone might know if we slyly spit it back into the offending cup — I start to wonder if the “make your coffee at home” brigade is right.
It’s a common point of contention in the personal finance community — but also in the world at large. Is it really such a monumental waste of money to buy coffee instead of making it at home?
If you go by the dollar, of course it’s cheaper to brew a cup at home. Plus, you’ll always know what you’re getting. It’s not exciting, but it’s not disappointing either. You'll never risk a truly awful cup unless you never learned how to use that French press of yours.
But what about the emotional cost? Especially during the heights of the pandemic, going out for a little coffee and a walk was one of the few indulgences we were allowed. Plus, there’s a reason coffee shops are always bustling and busy. They’re a place of communion. Of community. To gather intentionally, to bump into the same 9:47 a.m. crowd every morning on your commute, or to stumble into delight.
And, while the money you save making every single cup of coffee at home could compound into hundreds of dollars over your lifetime…is it worth it?
If your coffee habit is integral to your happiness — for so many of us, it is — don’t give it up. Add it to your budget alongside other delights that align with your values like your Apple Music premium subscription or your travel fund.
Maybe reduce other expenses like that accompanying pastry, disposable cups, or larger sizes over smaller ones. You can also find a middle ground. Save your coffee walks for a special occasion or reduce to a few times a week. A few times a week, why not splurge on an at-home coffee brand you truly adore to make yourself more likely to brew at home. Better yet: one you can take on-the-go. Never stoop to subpar coffee again!
Enter: Cometeer Coffee.
Cometeer is the latest coffee innovation: flash frozen coffee pods. They developed a proprietary extraction system that optimizes all the variables that lead to spectacular coffee. This is achieved with high-quality coffee beans, flash freeze them, and deliver the pods right to your door. Simply melt and enjoy.
26 grams of coffee go into each capsule, brewed with a process that’s carefully calibrated to extract as much flavor as possible from the beans — which are sourced from an array of the country’s best roasters. As soon as it’s brewed, it’s frozen at a chilly -321 degrees to lock in its flavor. The result? The perfect icy puck of the most complex coffee you’ve ever tasted.
And with a travel set to ramp up, having easy coffee pods on hand will be a game-changer. Everyone’s traveling — but travel better by packing Cometeer pods.
Based on research from the travel guidance firm The Vacationer, more than 42% of Americans are expected to travel this summer than last, while only 12% will travel less. (The 42% is a notable jump from the 25% who said they would travel more in 2021's survey.)
It’s the summer of revenge travel, promising lots of trips … which means endless nights, early mornings, and long airport lines. Get through them with coffee, but don’t settle for less than the best.
Cometeer's hyper-flavorful top-tier beans come from the world’s best roasters, ground and brewed with incredible precision, flash-frozen at peak flavor, and ready to be melted by you.
Making great coffee is hard, but melting great coffee is easy. Peel back the lid and drop it in a mug. Add hot water, enjoy. The end.
Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.
What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.
The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.
There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!
Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.
Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”
While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.
That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying
the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.
This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.
Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.
That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?
Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”
While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."
In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.
We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.
As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.